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Payment Programs & Discounts

Helping to lower your cost

We do everything that we can to help bring a baby into your life. Part of caring for your whole person includes offering you methods to help ease the financial strain of treatments and make fertility more affordable. We invite you to explore these trusted resources that can reduce the total amount that you pay for your treatments and medications.

Financing Your Fertility Treatment

Fertility Centers of Illinois offers several payment options through our partnerships with fertility financing specialists. We offer the most comprehensive options available with customized loan programs, refund plans, and even a pay-out-of-pocket discount. All to meet your individual needs and help ease the financial stress of treatments.

We’re Available to Discuss Your Options!

We recognize that the financial aspect of fertility can be complex and challenging. Our financial counselors are here to help you understand costs, maximize your insurance, explore discounts and financing options, and guide you every step of the way. Please contact us for assistance.




Fertility Access Program

Fertility Access offers a variety of IVF Refund and Multi-Cycle Discount Programs that offer significant savings by bundling reduced fees upfront. Our programs also provide peace of mind, with refund options in the event treatment is unsuccessful. There are multiple options to suit patients’ unique treatment and financial needs.



Some of CapexMD’s many advantages include: (1) Specialists in fertility financing, (2) Competitive rates, (3) Pre-approval within 24 hours, (4) Highest confidentiality, and more!



emBorrow understands how important this process is for you because they have even through this experience and are here to help you. Whether you want access to affordable plans, education, resources and support, they get it. The goal at emBorrow is to provide access to fertility subscription plans while focusing on fertility education, and supporting you together with the community. We care about backing and strengthening the fertility journey. emBorrow’s advantages include three easy steps: (1) Get qualified in minutes, (2) Personalize your plan, (3) Funds provided to your healthcare provider.


Gay Parenting Assistance Program (GPAP)

This financial option is for homosexual males or transgender women only. There is eligibility and evaluation criteria that must be followed.


Future Family

Future Family is removing the barriers of cost, complexity, and convenience. Our mission is to help everyone build the family of their dreams. They’ve built a dedicated $100MM financing fund for fertility, which allows them to offer IVF and egg freezing plans starting at $250/month. In addition to financing, they coach and support all of our clients throughout fertility treatment.



Tinina Q. Cade Foundation

Family Building Grant: annual award that provides up to $10,000 to needy, infertile families. These grants assist with the costs associated with infertility treatment or domestic adoption. Family Building Grants can take the form of a cash award that is payable directly to the clinic or agency or a medication award that will be sent to the fertility clinic of the recipient.  The grants are available for medical treatment of infertility and child adoption. The fertility medication grant is provided through a generous donation from EMD Serono



Progyny’s vision is to ensure anyone can have a child when they want. That’s why we take a smarter approach to fertility and family building benefit solutions. By bringing together the most cutting-edge science and the largest high quality network of fertility specialists in the nation, we deliver superior clinical outcomes and shorten the path to pregnancy. We’re empowering more people to achieve their dreams of parenthood by bringing new life to fertility and family building benefits.


Carrot for Fertility

Carrot supports all paths to parenthood, removes financial barriers, has consistent global coverage, and empowers employees everywhere with the opportunity to have a child. There are donor-assisted and third-party reproduction options, as well as adoption. There is a Carrot Card, the easiest way for employees to pay for treatment like egg freezing, in vitro fertilization (IVF), adoption, donor and gestational services, and more.


Save 5% When You Pay Out-of-Pocket

For those who don’t have much, or any, fertility coverage as part of their health insurance, we offer a discount of 5 percent off all treatments and procedures (except for lab tests and self-pay packages). Please contact us for more information regarding this discount program.



Women who have been diagnosed with cancer often come to us to help preserve their fertility through sperm, embryo, and egg freezing. We have partnered with the LIVESTRONG Fertility program, joining the nearly 400 centers across 48 states that offer discounted services to cancer patients. We offer a greatly discounted package for patients who qualify. LIVESTRONG also gives qualified applicants access to fertility medications donated by EMD Serono.


Heart Beat Fertility Preservation

Together with Ferring Pharmaceuticals and Walgreens Specialty Pharmacy, we can provide women diagnosed with cancer-free medication donated by Ferring. There are no financial requirements and no paperwork to fill out. We’ll just submit the prescription and they’ll dispense the medication. To qualify, females need to be US Citizens (or permanent residents), have a diagnosis of cancer but not yet starting treatment, no recent chemotherapy treatment in the last six months, and have an oncologist and reproductive endocrinologist determine that fertility preservation treatment is medically appropriate.


Discounts for Military Service

As the Department of Veterans Affairs (VA) does not cover IVF treatment, veterans without commercial health insurance tend to face high costs. To help veterans and their eligible family members get access to the fertility treatments they need, we have partnered with EMD Serono to offer a 25 percent discount for patients who qualify. The Compassionate Corp Program provides free medication to eligible, uninsured veterans with service-related injuries and their spouses for up to two cycles per year. Those veterans who are not eligible are encouraged to apply for the Compassionate Care Program.


Pharmacy Discount

Freedom Fertility Pharmacy works closely with pharmaceutical manufacturers to administer medication discount programs. Whether you have insurance, are self-pay with insurance, or are just self-pay, there are options for you. They also have income-based programs, Military Service Member programs, and programs for those with a cancer diagnosis.



Pharmacy Discount

When the owners of Mandell’s Pharmacy dreamed of starting a family of their own, they had no idea it would take five years. Their experience changed the course of Mandell's Pharmacy forever. They decided to focus their energy on helping other couples undergoing their own fertility struggles. They use their first-hand knowledge to help service their clients to make the medication side of the process as stress-free as possible.


Pharmacy Discount

SMP Pharmacy has financing options as well as fertility medication discounts and education. They are an award winning fertility pharmacy that prides themselves in exceptional customer service and competitive pricing. Their patients are connected with a Fertility Care Coordinator that will assist them with their fertility medications, saving programs, and health insurance plans. SMP Pharmacy’s state-of-the-art facility offers services throughout the United States.


Pharmacy Discount

Village has more than 30 years of experience in the fertility industry. Their staff has a deep understanding of infertility treatments and assisted reproductive therapies. Village offers services tailored to the unique needs of people taking fertility medications and are there to answer any questions that may arise along your path to parenthood. They have three locations and one in Warrenville


Compassionate Care Program

Through our Compassionate Care Program, you can enjoy a discount of up to 50% off select EMD Serono medications, depending on your income, when paying out of pocket for fertility treatment. This can be especially helpful for those who have limited insurance benefits. By paying out of pocket for the medications through the Compassionate Care Program, you can preserve your insurance coverage to pay for actual procedures.


Save on Medications with the GO Direct Program

Another way to help with the high cost of medication is with the GO Direct program. This program can save you money on different Gonal-f® injections, Ovidrel® PreFilled Syringes, and Cetrotide® injection medications with every cycle.


ReUnite Assist Saves Money on Merck Medications for Cash-Paying Patients

For thousands of Americans suffering with infertility, one of the first steps before seeking treatment is figuring out how to pay for it. Unfortunately, it is estimated that over 50% of patients who seek treatment do not have any level of fertility medical or drug coverage. With ReUnite RX Assist, you pay low prices at participating pharmacies with no need for coupons or rebates. And ReUnite RX Assist offers income-based discounts for uninsured patients.


Save $100 Every Month on Endometrin (Progesterone) Vaginal Inserts

Ferring Pharmaceuticals has created the Endometrin Instant Savings Program to help eligible patients save on luteal support with Endometrin. Just take your Instant Savings Card to the pharmacy with your prescription to receive savings of up to $100 each month (minimum prescription of 21 inserts required). You can download the Instant Savings Card today.


Save $300 on the Follistim AQ Cartridge (for Follistim Pen)

Merck is offering eligible privately insured patients may follow these steps to save up to $300 off their out-of-pocket cost on up to 3 qualifying prescriptions for Follistim AQ Cartridge. To learn more or to request a coupon, visit follistim.com. Activate and print the coupon. Present the activated coupon and your insurance card with a valid signed prescription at any participating eligible retail or mail-order pharmacy